User Testing of Innovative Financial Products and Services Designed to Help Assist Consumers Manage Their Spending

Appendix A. Consent Forms
Privacy Act Statement
5 U.S.C. 552(a)(e)(3)
The information you provide through your responses to RAND will assist the study sponsor, the
Consumer Financial Protection Bureau (“CFPB”) in evaluating the most efficient and effective website
design.
The CFPB will not obtain or access any directly identifying information about study participants. The
agency will only obtain and access de-identified results and aggregated analysis of those results.
Information collected on behalf of the CFPB will be treated in accordance with the System of Records
Notice (“SORN”), CFPB.021 – CFPB Consumer Education and Engagement Records, 77 F.R. 60382. This
information will not be disclosed as outlined in the Routine Uses for the SORN. Direct identifying
information will only be used be to facilitate the study and will be kept private except as required by
law.
This collection of information is authorized by Pub. L. No. 111-203, Title X, Sections 1013 and 1022,
codified at 12 U.S.C. §§ 5493 and 5512.
Participation in this study is voluntary, you are not required to provide any identifying information, and
you may withdraw participation at any time. However, if you do not include the requested information,
you may not be able to participate in the study.

Paperwork Reduction Act Statement
According to the Paperwork Reduction Act of 1995, an agency may not conduct or sponsor, and a person
is not required to respond to a collection of information unless it displays a valid OMB control number.
The OMB control number for this collection is 3170-0036. It expires on 06/30/2016. The time required
to complete this information collection is estimated to average approximately 20 minutes per response.
Responding to this collection of information is voluntary. Comments regarding this collection of
information, including the estimated response time, suggestions for improving the usefulness of the
information, or suggestions for reducing the burden to respond to this collection should be submitted to
Bureau at the Consumer Financial Protection Bureau (Attention: PRA Office), 1700 G Street NW,
Washington, DC 20552, or by email to [email protected].

Note: The Privacy Act Statement, PRA statement, and OMB control number will be displayed on the first
screen a respondent sees before participating in the survey.

Appendix B: User Testing Information Collection Questions
The contractor will be conducting user testing of versions and features of innovations with individual
users. This will be done by embedding screens depicting potential iterations of a display card and mobile
application into the monthly RAND American Life Panel (ALP) online survey. A total of 500
respondents will participate in the survey. Respondents will be presented with images and gifs of
prototype features, and would provide feedback through the survey module (see sample prototype images
in Appendix C). Providing this feedback would take an average of 15-20 minutes per respondent. In
general, user tests will be short, free text responses as respondents observe prototype features. Depending
on which specific prototype feature is shown to the respondent, the respondents will be asked some or all
of the following questions.
The Privacy Act Statement, PRA statement, and OMB control number will be displayed on the first
screen a respondent sees before participating in the survey.

Question Type

DURING

AFTER

Personal
Reactions
(Function)

●
●
●
●
●

Personal
Reactions
(Emotion)

● What about this is fun/tedious?
● What about this makes you nervous or
uncertain?
● What about this makes you feel
confident?
● How do you feel about managing your
cash flow?

● What do you like/dislike
the most?
● If you used this to make a
real decision, how
confident would you be?

Information

● What is this for?
● Who is this for?
● Where would you go to learn more
about this?

● For whom would this be
most/least helpful?

How do you think you should use this?
What do you notice about this?
What draws your attention most?
How would you ____ [perform X task]?
What about this is easy/difficult?

● How does this help you?
● Have you used something
similar to this? How does
it compare?
● Would you use this?

● What would you change
about this?
● What can we
add/remove?

Changes

2

Revealed
Intention

● In what situations would you use this?
● How would you make your purchasing
decision in this situation?
● What would you (not) buy in this
situation?

3

● How much do you think
you would use something
like this?
● Would you recommend
this to a friend or family
member?
● How much would you
buy this as a gift?
● How much would you
pay for yourself?
● What actions are you
going to take now that
you’ve used this?
● What would it take for
you to start/stop using
this product?